Best Scene+ Credit Cards in Canada - September 2026

Scene+

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Scotiabank Passport® Visa Infinite +* Card

Scotia Scene+

Annual fee: $150
Our valuation: $350Milesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 35,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $150/yr
Additional card: $50
Min. annual income: $60,000+
Household income: $100,000+

Interest rates
Purchases: 20.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to $1,250 in first year welcome offers, rewards and savings^*, including up to 35,000 bonus Scene+ points¹

Earn 3x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
No Foreign Transaction Fee
6 Complimentary Airport Lounge Access
Comprehensive Travel Insurance coverage
Visa Infinite* Concierge Services
Visa Infinite* Hotel Collection
Visa Infinite* Dining and Wine Country Program

Rates, fees and other information are effective as of Aug 4,2026. Subject to change.

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Rewards: Rate
Groceries: 2x
Restaurants: 2x
Transit: 2x
Entertainment: 2x

Benefits
Airport lounges: $240
Concierge: Included

Travel insurance: Coverage
Travel medical (under 55): $1,000,000 · 25 days
Travel medical (55-64): $1,000,000 · 25 days
Travel medical (65+): $1,000,000 · 3 days
Trip Cancellation: $1,500
Trip Interruption: $2,500
Delayed Baggage: $1,000
Lost Baggage: $1,000
Flight Delay: $500
Hotel Burglary: $1,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Auto Rental Collision: $65,000 · 48 days

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Pros

Welcome bonus of up to 35,000 points
2x on groceries
2x at restaurants

Cons

Requires good credit

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate…

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Scotiabank American Express® Card

Scotia Scene+

Annual fee: $0
Our valuation: $100Milesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 10,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $0
Additional card: $0
Min. annual income: $12,000+
Household income: $12,000+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to 10,000 bonus Scene+ points^¹ within your first 3 months (that’s up to $100 towards travel).

Earn 3x Scene+ points^¹ on every $1 you spend at Sobeys, Safeway, Freshco and more
Earn 2x Scene+ points^¹ for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Earn 2x Scene+ points^¹ for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
Earn 2x Scene+ points^¹ for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more.
Earn 2x Scene+ points^¹ for every $1 you spend on eligible select streaming services.
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
Mobile Device Insurance coverage
American Express Invites®

Rates, fees and other information are effective as of October 31, 2025. Subject to change.

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Rewards: Rate
Groceries: 2x
Entertainment: 2x
Restaurants: 2x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $500 · 1 year

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Pros

No annual fee
Welcome bonus of up to 10,000 points
2x on groceries
2x at restaurants

Cons

Requires good credit

The Scotiabank American Express® Card is one of the best no-annual-fee credit cards in Canada.

For a limited time, you can earn up to 10,000 Scene+ points in the first three months, a value of up to $100 in travel (including Airbnb):

2,500 Scene+ points after $250 spent in the first three months
7,500 Scene+ points after $1,000 spent in the first three months

With the Scotiabank American Express® Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op…

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Scotiabank Gold American Express® Card

Scotia Scene+

Annual fee: $120
Our valuation: $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 50,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Additional card: $29
Min. annual income: $12,000+
Household income: $12,000+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points¹.

Earn 6x Scene+ points¹ for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
Earn 5x Scene+ points¹ for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Earn 5x Scene+ points¹ for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on select eligible streaming services.
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
No Foreign Transaction Fee
Comprehensive Travel Insurance coverage
AMEX Offers®
American Express® Front Of The Line®
American Express Invites®
Complimentary Concierge Services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Streaming: 3x
Transit: 3x
Gas & EV: 3x

Benefits
Airport lounges: Included
Concierge: Included

Travel insurance: Coverage
Travel medical (under 55): $1,000,000 · 25 days
Travel medical (55-64): $1,000,000 · 25 days
Travel medical (65+): $1,000,000 · 3 days
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $1,000
Lost Baggage: $1,000
Flight Delay: $500
Hotel Burglary: $1,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000 · 1 year
Auto Rental Collision (primary): $65,000 · 48 days

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Awards won by this card

Pros

Welcome bonus of up to 50,000 points
5x on groceries
5x at restaurants

Cons

Requires good credit

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb)…

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Scotiabank®* Platinum American Express® Card

Scotia Scene+

Annual fee: $399
Our valuation: $1,000Milesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 100,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $399/yr
Additional card: $99
Min. annual income: $12,000+
Household income: $12,000+

Interest rates
Purchases: 9.99 %
Cash advance: 9.99 %
Balance transfer: 9.99 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to $3,000^* in savings and rewards in the first 14 months, including up to 100,000 bonus Scene+ points¹.

Plus, earn 2X Scene+ points for every dollar spent on all other eligible purchases.
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
No Foreign Transaction Fee
Comprehensive Travel Insurance coverage
Mobile Device Insurance coverage
10 free airport lounge passes per year
Platinum+ VIP offers
American Express Invites®
Free premium concierge services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

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Benefits
Airport lounges: $400
Concierge: Included

Travel insurance: Coverage
Travel medical (under 55): $2,000,000 · 31 days
Travel medical (55-64): $2,000,000 · 31 days
Travel medical (65+): $2,000,000 · 10 days
Trip Cancellation: $2,500
Trip Interruption: $2,500
Delayed Baggage: $1,000
Lost Baggage: $1,000
Flight Delay: $1,000
Hotel Burglary: $1,000
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: 120 days
Extended Warranty: +1 year
Mobile Device: $1,000 · 1 year
Auto Rental Collision: $65,000 · 48 days

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Pros

Welcome bonus of up to 100,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($399)
Requires good credit

For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

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Scotiabank® Scene+™ Visa* Card

Scotia Scene+

Annual fee: $0
Our valuation: $50Milesopedia first-year estimate First-year valueWelcome bonus$50Total$50Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 5,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $0
Additional card: $0
Min. annual income: $12,000+
Household income: $12,000+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to 5,000 bonus Scene+ points within your first 3 months¹.

No annual fee for the first year, including on additional cards¹
Earn 2x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, FreshCo and more
Earn 2x Scene+ points¹ for every $1 you spend at Home Hardware, Home Building Centre and Home Furniture locations in Canada and online at homehardware.ca
Earn 2x Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

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Rewards: Rate
Groceries: 2x

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Pros

No annual fee
Welcome bonus of up to 5,000 points
2x on groceries

Cons

Requires good credit

Looking for a Scene+ credit card with no annual fee? The Scotiabank Scene+ Visa Card is ideal for students or those who don’t want to pay annual fees.

For a limited time, you can earn up to 5,000 bonus Scene+ points within your first 3 months (2,500 points after $250 and an additional 2,500 points after $1,000 in spending). Enough to get you about $50 towards a trip or your grocery purchases.

With the Scotiabank Scene+ Visa Card, you earn 2 points for every dollar spent at Sobeys, Safeway, IGA, Foodland, participating Co-ops, FreshCo and more.

You also earn 2 points for every dollar spent at Home Hardware and at Cineplex…

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Tangerine® Rewards World Elite Mastercard®*

Tangerine Scene+

Annual fee: $120
Our valuation: $300Milesopedia first-year estimate First-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 30,000 points

Features
Issuer: Tangerine
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Additional card: $30
Min. annual income: $80,000+
Household income: $150,000+

Interest rates
Purchases: 20.95 %
Cash advance: 22.95 %
Balance transfer: 22.95 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to $600* in value for the first year.

Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine ® Rewards World Elite®* Mastercard®*. Apply today and start earning up to $600 in value* from Day 1, including:

$300 value — 30,000 Scene+ points: Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.*
$100 value — 10,000 Scene+ points: Get an Annual Lifestyle Credit by spending $30,000 in a year.*
$200 value — 4 complimentary lounge passes annually*: Gain airport lounge access with Dragonpasses when travelling.

Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*

Total of 13 Reward Categories:

Grocery
Restaurants
Entertainment
Furniture
Gas
Home improvement
Hotels-motels
Public Transportation and Parking
Pharmacy
Recurring bill payments
Fitness and Sports Clubs
E-Games
Foreign currency spend

The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*

Unique Cirque du Soleil benefits
FUBO: Save $30 on a Sports Quarterly plan for your first quarter.*
H&R Block: Receive 30% off tax filing services*
FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan*

Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.

Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).

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Rewards: Rate
Groceries: 1.5x
Gas & EV: 1.5x
Bills & recurring payments: 1.5x

Benefits
Airport lounges: $200

Travel insurance: Coverage
Travel medical (under 55): ✓
Travel medical (55-64): ✓
Trip Cancellation: $2,000
Trip Interruption: ✓
Delayed Baggage: ✓
Lost Baggage: ✓
Flight Delay: ✓

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: ✓
Auto Rental Collision: 48 days

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Pros

Welcome bonus of up to 30,000 points

Cons

Requires good credit

If you are looking for a credit card that rewards generously from the start, the Tangerine Rewards World Elite Mastercard is for you.

This card offers an exceptional welcome bonus: get up to $600 in value in the first year*, including 30,000 Scene+ points when you spend $3,000 within the first 3 months*.

But that’s not all. During the year, you can get an additional $100 in Lifestyle credit by spending $30,000, as well as 4 complimentary airport lounge passes via DragonPass — a $200 value.

For earning, earn 1.5x more Scene+ points in 3 accelerated earning categories. Choose from 13 categories — groceries, restaurants, gas, pharmacy, home furnishings, and many more — and change them every 90 days according to your needs*. On all your other purchases, you earn 1 Scene+ point per dollar spent*…

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Why Scene+?

Scene+ is Scotiabank's loyalty program offering rewards for movies at Cineplex, groceries at Empire stores (Sobeys, IGA, FreshCo, Safeway), dining, and travel. With a Scotiabank Scene+ credit card, you earn points on every purchase that can be redeemed across entertainment, groceries, and travel.

Best Scene+ Cards

The Scotiabank Gold American Express earns 5x points on dining and entertainment. The Scotia Momentum Visa Infinite is best for grocery rewards. For no annual fee, the Scotiabank Scene+ Visa is a solid everyday card.

FAQ

Frequently Asked Questions

What can I redeem Scene+ points for?

Free movies at Cineplex, groceries at Sobeys/IGA/Safeway, travel bookings, dining, and merchandise. Points are worth about 1 cent each.

Can I earn Scene+ at Sobeys?

Yes! Scan your Scene+ card or app at checkout at Sobeys, IGA, FreshCo, Safeway, and other Empire stores to earn points on groceries.

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Awards won by this card

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Issuer terms

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Why Scene+?

Best Scene+ Cards

Frequently Asked Questions

What can I redeem Scene+ points for?

Can I earn Scene+ at Sobeys?

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